healthslips.com.au Policy Information

AIA Health Insurance Pty Ltd

Corporate Silver Plus Advanced Hospital 250 and Starter Set Extras

Corporate Policy

$368.55 / month

(Before Rebate, Discount & Loading)

Available in VIC

You may be entitled to an Australian Government Rebate on the above premium. Your premium may also include a Lifetime Health Cover Loading, an Age-based Discount or an insurer discount. Check with your insurer for details.

This policy covers: Only one person.

Corporate policy: This is a corporate policy which is only available to employees/members of organisations with arrangements with this health insurer.

Policy ID: MYO/JC11/VUHA10

Source: Private Health Information Statement (PHIS)

Hospital Cover

  • This policy exempts you from the Medicare Levy Surcharge.
  • This policy provides accident cover - check with insurer for details.
  • This policy provides benefits for travel or accommodation outside of hospital - check with insurer for details.
Covered
Restricted Cover
Not Covered
This policy includes cover for
Back, neck and spine
Blood
Bone, joint and muscle
Brain and nervous system
Breast surgery (medically necessary)
Cataracts
Chemotherapy, radiotherapy and immunotherapy for cancer
Dental surgery
Diabetes management (excluding insulin pumps)
Dialysis for chronic kidney failure
Digestive system
Ear, nose and throat
Eye (not cataracts)
Gastrointestinal endoscopy
Gynaecology
Heart and vascular system
Hernia and appendix
Hospital psychiatric services
Implantation of hearing devices
Insulin pumps
Joint reconstructions
Joint replacements
Kidney and bladder
Lung and chest
Male reproductive system
Miscarriage and termination of pregnancy
Pain management
Pain management with device
Palliative care
Plastic and reconstructive surgery (medically necessary)
Podiatric surgery (provided by a registered podiatric surgeon)
Rehabilitation
Skin
Sleep studies
Tonsils, adenoids and grommets

This policy does not include cover for

Assisted reproductive services
Pregnancy and birth
Weight loss surgery

The benefits paid for hospital treatment will depend on the type of cover you purchase and whether your fund has an agreement in place with the hospital in which you are treated. See ‘Agreement Hospitals’ on privatehealth.gov.au for which hospitals have arrangements with your insurer – https://privatehealth.gov.au/dynamic/agreementhospitals.

Under this policy, you may have to pay out-of-pocket costs above what you get from Medicare or your private health insurer. Before you go to hospital, you should ask your doctors, hospital and health insurer about any out-of-pocket costs that may apply to you.

The following payments may also apply for hospital admissions

Excess: You will have to pay an excess on admission. This is limited to a maximum of $250 per person and $250 per policy per year.

Co-payments: No co-payments

The following waiting periods for hospital admissions apply to new or upgrading members

Waiting periods:

  • 2 months for palliative care, rehabilitation and hospital psychiatric treatments, even if pre-existing
  • 12 months for other pre-existing conditions
  • 2 months for all other treatments

Gap Cover

This provider offers 'known gap' or 'no gap' cover for medical bills for this product. The Medical Costs Finder (https://www.health.gov.au/resources/apps-and-tools/medical-costs-finder) lets you find out more about the cost of specialist medical services.

Other features of this hospital cover

All policies include membership to AIA Vitality, the science-backed health and wellbeing program that rewards you for looking after your health. If you have held an AIA Health Insurance policy for a minimum of six months and have an AIA Vitality status of Silver or above, we will refund your Excess in the event that you’re admitted to hospital. Exclusions apply on some clinical categories.

Extras Cover

Members can receive 2 x No Gap Dental on selected preventative dental services (excluded from dental limits) & lower treatment costs at smile.com.au dentists. See https://www.aia.com.au/en/products/health-insurance/find-a-provider.

This policy includes General treatment (Extras) cover for
Treatment & waiting period (months)
Benefit limits per 12 months unless otherwise stated
Examples of maximum benefits
Acupuncture 2

$200 per policy

combined limit for acupuncture & remedial massage

  • Initial visit: $35
  • Subsequent visit: $30
Blood glucose monitors 12

$250 per policy

combined limit for blood glucose monitors & orthotics (podiatric orthoses)

  • Per monitor: $100
Chiropractic 2

$300 per policy

combined limit for chiropractic & osteopathy

  • Initial visit: $40
  • Subsequent visit: $30
Dietetics/dietary advice 2

$200 per policy

  • Initial visit: $40
  • Subsequent visit: $40
Endodontic 12

$500 per policy

combined limit for endodontic, general dental & major dental

  • Filling of one root canal: $121
Exercise physiology 2

$400 per policy

combined limit for exercise physiology & physiotherapy

  • Initial visit: $40
  • Subsequent visit: $30
General dental 2

$500 per policy

combined limit for endodontic, general dental & major dental

  • Fluoride treatment: $22
  • Scale & clean: $51
  • Periodic oral examination: $30
Health management / Healthy lifestyle 2

$200 per policy

  • Health management: $50
Major dental 12

$500 per policy

combined limit for endodontic, general dental & major dental

  • Surgical tooth extraction: $111
  • Full crown veneered: $631
Non PBS pharmaceuticals 2

$100 per policy

combined limit for non pbs pharmaceuticals & vaccinations

  • Per eligible prescription: $40
Optical 6

$250 per policy

  • Multi-focal lenses & frames: 100% of charge
  • Single vision lenses & frames: 100% of charge
Orthotics (podiatric orthoses) 12

$250 per policy

combined limit for blood glucose monitors & orthotics (podiatric orthoses)

  • Orthotics supply & fit: $100
Osteopathy 2

$300 per policy

combined limit for chiropractic & osteopathy

  • Initial visit: $45
  • Subsequent visit: $35
Physiotherapy 2

$400 per policy

combined limit for exercise physiology & physiotherapy

  • Initial visit: $40
  • Subsequent visit: $30
Podiatry 2

$200 per policy

  • Initial visit: $40
  • Subsequent visit: $30
Psychology 2

$300 per policy

  • Initial visit: $100
  • Subsequent visit: $50
Remedial massage 2

$200 per policy

combined limit for acupuncture & remedial massage

  • Initial visit: $35
  • Subsequent visit: $30
Vaccinations 2

$100 per policy

combined limit for non pbs pharmaceuticals & vaccinations

  • Per service: $40

Acupuncture

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$200 per policy}

{combined limit for acupuncture & remedial massage}

Examples of maximum benefits

{Initial visit: $35}

{Subsequent visit: $30}

Blood glucose monitors

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$250 per policy}

{combined limit for blood glucose monitors & orthotics (podiatric orthoses)}

Examples of maximum benefits

{Per monitor: $100}

Chiropractic

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per policy}

{combined limit for chiropractic & osteopathy}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $30}

Dietetics/dietary advice

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$200 per policy}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $40}

Endodontic

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$500 per policy}

{combined limit for endodontic, general dental & major dental}

Examples of maximum benefits

{Filling of one root canal: $121}

Exercise physiology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per policy}

{combined limit for exercise physiology & physiotherapy}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $30}

General dental

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per policy}

{combined limit for endodontic, general dental & major dental}

Examples of maximum benefits

{Fluoride treatment: $22}

{Scale & clean: $51}

{Periodic oral examination: $30}

Health management / Healthy lifestyle

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$200 per policy}

Examples of maximum benefits

{Health management: $50}

Major dental

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$500 per policy}

{combined limit for endodontic, general dental & major dental}

Examples of maximum benefits

{Surgical tooth extraction: $111}

{Full crown veneered: $631}

Non PBS pharmaceuticals

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$100 per policy}

{combined limit for non pbs pharmaceuticals & vaccinations}

Examples of maximum benefits

{Per eligible prescription: $40}

Optical

Waiting period:  6 months

Benefit limits per 12 months unless otherwise stated

{$250 per policy}

Examples of maximum benefits

{Multi-focal lenses & frames: 100% of charge}

{Single vision lenses & frames: 100% of charge}

Orthotics (podiatric orthoses)

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$250 per policy}

{combined limit for blood glucose monitors & orthotics (podiatric orthoses)}

Examples of maximum benefits

{Orthotics supply & fit: $100}

Osteopathy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per policy}

{combined limit for chiropractic & osteopathy}

Examples of maximum benefits

{Initial visit: $45}

{Subsequent visit: $35}

Physiotherapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per policy}

{combined limit for exercise physiology & physiotherapy}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $30}

Podiatry

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$200 per policy}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $30}

Psychology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$300 per policy}

Examples of maximum benefits

{Initial visit: $100}

{Subsequent visit: $50}

Remedial massage

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$200 per policy}

{combined limit for acupuncture & remedial massage}

Examples of maximum benefits

{Initial visit: $35}

{Subsequent visit: $30}

Vaccinations

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$100 per policy}

{combined limit for non pbs pharmaceuticals & vaccinations}

Examples of maximum benefits

{Per service: $40}

Psychology benefit also includes cover for counselling services. Swimming lessons are covered under this policy. Benefit limit $100 per person, per year. Smoking cessation is covered under this policy. Benefit limit $200 per person, per year.

This policy does not include General treatment (Extras) cover for

Ante-natal/Post-natal classes
Audiology
Chinese medicine
Eye therapy (orthoptics)
Hearing aids
Home nursing
Occupational therapy
Orthodontic
Speech therapy

Ambulance cover

In VIC this policy provides:

Emergency: Unlimited with a waiting period of 1 day.

Call-out fees: Will be paid for each attendance, including emergency treatment without transport to hospital.

Other features of this ambulance cover: Cover for call-out fees where you're not taken to hospital are limited to 2 x ambulance attendances per insured person, per calendar year.

Insurer Details

AIA Health Insurance Pty Ltd

Corporate Silver Plus Advanced Hospital 250 and Starter Set Extras

Corporate Policy

$368.55 / month

(Before Rebate, Discount & Loading)

Available in VIC

Disclaimer: This document is not a Private Health Information Statement (PHIS), and it is not intended to replace that document. The details contained in the healthslips.com.au Policy Information was provided by the insurer to the Australian Government. It is intended as general information. It may not take into account your circumstances. For further information contact the insurer. Information used is Licensed from the Commonwealth of Australia under a Creative Commons 3.0 licence.Private Health Information Statement is available from the Private Health Insurance Ombudsman website at https://privatehealth.gov.au/dynamic/Premium/PHIS/MYO/JC11/VUHA10

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